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Zelle® for your small business FAQs

What is Zelle®?

Zelle® is a fast, safe and easy way for small businesses to send, request and receive money directly between eligible bank accounts in the U.S. If your customers use Zelle® within their mobile banking app, they can send payments directly to your UCCU bank account with just your email address or U.S. mobile phone number. With Zelle®, payments typically arrive within minutes1.

How do I use Zelle® with a small business account?

You can send, request or receive money with Zelle®. To get started, log in to UCCU’s online banking or mobile app and select “Send Money With Zelle®” Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, review and accept terms and conditions and you’re ready to start sending and receiving with Zelle®.

Who can I send money to with Zelle® when I have a small business bank account?

When you use Zelle® with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle® to small businesses. You can also send to consumers who have access to Zelle® through their mobile banking app. At this time, we don’t support sending to (or receiving from) consumers who are only enrolled in the Zelle® app.

If the small business or consumer you send money to has already enrolled with Zelle® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

I have a small business bank account. Who can I receive payments from with Zelle®?

You can receive payments from consumers using Zelle® through their bank’s mobile app. You can also receive payments from other small businesses if their financial institution offers Zelle® to small businesses. At this time, you’re not able to receive payments from consumers that are only enrolled in the Zelle® app.

How long does it take to receive payments with Zelle®?

Once you’re enrolled with Zelle®, money you receive is typically available within minutes.

How do I receive payments with Zelle®?


First, you should enroll your email address or U.S. mobile number with Zelle® through your mobile banking app and associate it with your small business account. Second, share your enrolled email address or U.S. mobile phone number with your customers and ask them to send you payment with Zelle® right from their banking app. You don’t need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile phone number to identify you. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.

You can also request payments directly through your mobile banking app by clicking “Send Money With Zelle®,” selecting “Request,” entering your customer’s email address or U.S. mobile number, confirming the recipient is correct (make sure you’ve entered the correct email address or U.S. mobile number of the person or business you want to request payment from)2 and tapping “Request.”

If your customer is using Zelle® through their bank’s mobile app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

How do I tell my customers that they can pay me with Zelle®?

There are a few ways you can encourage your customers to pay you with Zelle®.

  • Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding “I accept payments with Zelle®.”
  • Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).
  • Add pre-approved Zelle® content to your business website, which can be found at www.zellepay.com/smallbusiness-toolkit.

Please note, you’ll only be able to receive payments from consumers using Zelle® through their financial institution’s mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.

How do I use Zelle® to request a payment from my customer?

To request money with Zelle®, select “Send Money With Zelle®” in your mobile banking app, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”1

Does Zelle® or UCCU offer purchase protection?

Neither UCCU nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Are there any fees to use Zelle® with a small business account at UCCU?

No, UCCU does not charge a fee to use Zelle® with a small business account.

I want to use Zelle® to send and receive money with friends from my personal bank account, as well as to receive payments for my small business from my business account. Are there any differences in the experience?

Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don’t need to do anything different to send money to a small business – they use the existing Zelle® experience they already know and trust within their bank’s mobile app. However, the experience is slightly different for small businesses1, as small businesses cannot currently receive payments from consumers who are only enrolled in the Zelle® app.

If I already use Zelle® for my small business, do I need to do something different to continue using Zelle®?

As a current Zelle® user, once you log in and review and accept new Terms of Service, any of your email addresses or U.S. mobile numbers associated with a business account will be recognized. There’s no need to re-enroll or take additional action to continue using Zelle®. Your current activity, pending payments and recurring payments will not be affected.

I already use Zelle® through my personal bank account. How do I enroll to use Zelle® with my small business bank account?

To get started, log in to UCCU’s online banking or mobile app. To enroll a small business bank account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

If I use Zelle® for my small business, will Zelle® integrate with accounting software?

No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions.

How do I know if my small business is eligible to use Zelle®?

To determine whether your small business is eligible to use Zelle®, log in to your mobile banking app and look for Zelle®. If you’re able to enroll with Zelle® using your small business checking account, then you are eligible to use Zelle®.

Can I cancel a payment if I sent money using Zelle®?

You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.”

If you send money to a small business or consumer that has already enrolled with Zelle® through their bank’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you try to send money to a consumer who is only enrolled in the Zelle® app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending money to enrolled users in the Zelle® app.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at (801) 223-8188 so we can help you.

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle ® directly through their financial institution’s online or mobile banking experience.

2In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle ®.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.